Risk grade updatedRisk gradeEvidence verified
4 Oct 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3 → B1.Business profile
Summa Capital Oy
Summa Capital Oy's registered office is Lahti. It is a limited company. The company was established on 2006-12-12. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €36,146 and operating profit was -€2,026.
Business ID 2078965-1ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2078965-1
- Sector
- Other activities auxiliary to financial services, except insurance and pension funding
- Municipality
- Lahti
- Company form
- Limited company
- Registration date
- 2006-12-12
- Business ID registration date
- 2006-12-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Niemenkatu 73, 15140, Lahti
Website: https://www.summa.fiSource observation
About Summa Capital Oy
Financial position and key figures for the company.
Summa Capital Oy's location municipality is Lahti. It is a limited company. The company was established on 2006-12-12. It operates in the industry of other activities auxiliary to financial services, except insurance and pension funding. In its latest retained statement for 2025-12-31, revenue was €36,146 and operating profit was -€2,026. The latest retained financial statement for 2025-12-31 shows revenue of €36,146 and profit for the financial year of -€6,720. Based on the latest retained statement, revenue growth was -56.3%, operating margin was -5.6%, and equity ratio was +97.5%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
6
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-56.3%
Operating margin-5.6%
Equity ratio97.5%
Balance-sheet contextLatest financial period
Cash and bank€25,819Previous: €20,475
Retained earnings-€237,106Previous: -€256,852
Equity€26,201Previous: €32,921
Liabilities€676Previous: €1,014
Current assets€26,157Previous: €20,475
Current liabilities€676Previous: €1,014
Revenue trend2 periods
€82,687
2024-12-31
€36,146
2025-12-31
Operating profit (loss) trend2 periods
€19,492
2024-12-31
-€2,026
2025-12-31
Profit (loss) for the financial year trend2 periods
€19,746
2024-12-31
-€6,720
2025-12-31
Assets trend2 periods
€33,936
2024-12-31
€26,877
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
100/100 · Improving
Current ratioGood
100/100 · Improving
Operating profit marginWeak
36/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 97.0 % | 97.5 % |
| Current ratio | 20.18x | 38.19x |
| Operating profit margin | 23.6 % | -5.6 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2078965-1
VAT IDFI20789651
EU IDFIFPRO.2078965-1
MunicipalityLahti
Current registered entries
2006-12-12Registered in Patent and Registration Office (Trade Register)
2006-12-20Registered in Tax Administration (Tax Administration)
2007-01-01VAT-liable for business activity in Tax Administration (VAT Register)
2007-01-01Registered in Tax Administration (Prepayment Register)
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
B1
StableSumma Capital Oy
Grade unchangedB1 · new analysis 2026-10-17
68/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsSolvencyStable
LiquidityImproving
Same industry, size and age groupDescriptive comparison – does not change the model score.
47 peersSolvency70%
Better than 70% of peers
Profitability38%
Below 62% of peers
Liquidity87%
Better than 87% of peers
Revenue growth19%
Below 81% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings86 days after period end
85 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Healthy short-term liquidity
- Company context reduces the weight of an isolated financial signal
Risk factors to note
- Negative profitability or net result
- Sharp year-over-year revenue drop
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsB1
2026-10-1768/100 · v0.15
B1 → B1B1
2026-10-04 07:3568/100 · v0.14
A3 → B1 · -7 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
A3
2026-09-1575/100 · v0.14
B1 → A3 · +10 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1465/100 · v0.12
Oldest retained automatic assessment in this comparisonB1
2026-10-17
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry riskvery low
88/100
Industry context is very low based on normalized open statistical inputs.
Age and continuityVakiintunut
80/100
The company has about 19 years of registry continuity.
Registry and status signalsVakaa
80/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Risk grade updatedRisk gradeEvidence verified
15 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade A3.Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
25 register eventsLatest event: 2026-03-27
Financial statements availability
Available financial statement periods and PRH source filings.
6 financial statement periodsLatest financial period: 2025-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
Summa Capital Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.